The Hartford Long-Term Disability Denial

The Hartford is a long-term disability insurance company that has faced criticism for unfairly denying claims. If you’re facing a Hartford long-term disability denial, an attorney may be able to help you get the benefits you deserve. See if a top Hartford disability denial lawyer can fight for you.

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Why Take Legal Action?

By challenging a wrongful disability insurance denial, you can pursue the benefits and justice you deserve.

Results Secured

$1.36 million for a New York man whose Aetna long-term disability claim and appeal were denied
$1.21 million for a California worker denied disability benefits
$975,000 for a physician who lost his hearing and was denied long-term disability benefits by Unum

Fact-Checked and Legally Reviewed by: Rae Theodore

Last updated: Jan 13, 2025

Understanding Your Hartford Disability Denial

The Hartford offers long-term disability (LTD) insurance meant to provide critical financial support for policyholders who are unable to work due to an illness or injury.

However, despite being a Fortune 500 company, The Hartford doesn’t always treat its customers fairly or provide them with the benefits they paid for.

To avoid paying out long-term disability claims, some insurance companies like The Hartford act in bad faith and unfairly deny legitimate claims.

Hartford disability denial tactics include:

Delaying long-term disability claims
Disqualifying valid health conditions
Misinterpreting policy terms

LawFirm.com works with top disability attorneys who have secured over $133 million for workers facing unfair insurance denials, including those by The Hartford.

If you’re facing a Hartford long-term disability denial, we may be able to help you pursue the benefits and compensation you deserve. Get started now with a free case review.

What to Do After a Hartford Long-Term Disability Denial

If you’ve received a Hartford claim denial, you have the right to file an appeal. A successful appeal of a Hartford long-term disability denial requires detailed evidence showing you’re eligible for LTD benefits.

Getting help from an experienced long-term disability lawyer can improve your chances of getting the benefits you’re entitled to. Disability attorneys know how to build a strong case and deal with claim denial tactics used by The Hartford.

Working with a lawyer will ensure your appeal is thorough and well-prepared. They can write a detailed letter explaining why The Hartford should have approved your claim and submit supporting documentation.

If The Hartford still doesn’t agree to pay LTD benefits, your lawyer may be able to request a second appeal or file a lawsuit against the insurance company.

Hartford Long-Term Disability Appeal Process

Disability attorneys handle every step of an appeal, making the process as easy and stress-free as possible. Here’s what you can expect when you work with a lawyer to appeal a Hartford long-term disability insurance denial.

1. Getting a Free Consultation

Connect with LawFirm.com for a free case review to see if we can match you with a top disability insurance lawyer who can handle your Hartford long-term disability denial.

If you have a case, your lawyer will start working on your Hartford long-term disability appeal in an effort to secure your benefits as soon as possible.

2. Collecting Evidence to Reverse a Hartford Claim Denial

Your Hartford long-term disability appeal attorney and their legal team will collect the evidence needed to build a strong case on your behalf.

Evidence for a Hartford disability denial appeal may include your:

Hartford long-term disability insurance policy
Job description
Medical records and test results
Treating physician’s statement about your impairment

Your team will use this information to fill in any gaps missing from your initial claim and show you meet the criteria for LTD insurance in accordance with your Hartford long-term disability plan.

3. Preparing a Hartford LTD Appeal

Your lawyer will submit your appeal to The Hartford before any deadlines and handle all communications with The Hartford for you.

You won’t have to worry about the back-and-forth, so you can focus on your health and well-being.

Your attorney may be able to file a second appeal of your Hartford long-term disability denial if the first one isn’t successful.

4. Filing a Hartford Long-Term Disability Lawsuit

If The Hartford refuses to overturn its claim denial, your lawyer may be able to file a lawsuit and demand the benefits you’re owed. They can work to negotiate a Hartford long-term disability settlement or argue your case in court, if necessary.

Compensation from a Hartford settlement can help pay for medical bills, everyday living expenses, and more while you’re unable to work.

Call (888) 726-9160 right now or chat with a case manager to see if a top attorney may be able to help you seek a Hartford long-term disability settlement.

Reasons for a Hartford Claim Denial

Like many other insurance companies, The Hartford uses tactics to delay or deny paying valid LTD claims in an effort to boost its bottom line.

Common reasons for a Hartford long-term disability denial include:

Determining that you have a pre-existing condition
Insisting that your condition isn’t considered a disability
Misinterpreting the severity of your disability
Requesting excessive claim documentation
Using video surveillance footage to downplay your injury

The Hartford has teams of attorneys that help the insurer dispute legitimate claims and avoid paying the long-term disability benefits and compensation it owes.

By working with an experienced Hartford disability denial lawyer, you can even the playing field and put yourself in the best position possible to secure the benefits you’re entitled to.

How a Hartford Long-Term Disability Denial Can Help

A Hartford long-term disability denial lawyer can provide you with legal assistance and peace of mind as you deal with an injury or illness.

Here are 5 ways a Hartford disability denial attorney can help:

Create an appeal strategy: Your lawyer will carefully review your Hartford LTD policy and come up with an appeal strategy tailored to your situation.
Collect evidence: Skilled disability lawyers can gather the evidence needed to build a compelling case, which may include test results or expert opinions, to show you meet The Hartford long-term disability qualifications.
Provide guidance and support: Throughout the appeals process, your lawyer will offer legal advice, answer your questions, and provide support.
Use their knowledge and experience: Your attorney will use their knowledge of disability law and insurance company tactics to increase the likelihood of a successful Hartford LTD appeal.
Keep fighting for you: If necessary, your lawyer will represent you in court, using their skills and experience to go head-to-head with The Hartford and their attorneys.

With a disability insurance lawyer by your side, you’ll be able to go about your daily activities as they fight for the benefits and compensation you deserve.

Get Help From a Hartford Long-Term Disability Attorney

If you’re facing a Hartford long-term disability denial, you don’t have to go it alone. Our team at LawFirm.com may be able to connect you with a top attorney who has successfully secured substantial compensation for policyholders like you.

LawFirm.com works with top disability lawyers who have recovered over $133 million for clients nationwide with denied disability claims.

Our trusted legal partners:

Can help The Hartford policyholders in all 50 states
Have decades of experience successfully securing LTD benefits
Never charge any upfront costs or hourly fees

Call (888) 726-9160 right now or fill out our form to see if a top Hartford disability denial lawyer may be able to fight for you.

Hartford Long-Term Disability Insurance Denial FAQs

How do I appeal a long-term disability denial from The Hartford?

If The Hartford denied your long-term disability claim, you have the right to appeal the decision. The specific steps for the appeal process will be outlined in the denial letter you received.

Typically, appeals involve submitting additional documentation like medical records or letters from your employer supporting your claim. You may also be required to complete forms provided by The Hartford.

For many policyholders, the best and quickest way to appeal an LTD denial is to work with an experienced disability attorney.

Find out if we can connect you right now with a free case review.

Why was my Hartford claim denied?

A Hartford long-term disability denial can occur for various reasons, depending on the terms of your policy and the company representative assigned to your claim.

Common reasons for Hartford long-term disability to be denied include:

Failure to meet policy criteria: Denial can occur if your medical condition doesn’t meet the definition of disability specified in your policy.
Insufficient medical evidence: If the medical records and documentation provided fail to prove the severity of your condition, it may lead to a denial.
Missed deadlines or incomplete paperwork: A Hartford disability denial may result from not submitting all the necessary documents or missing deadlines.
Pre-existing condition limitations: Certain policies include waiting periods or exclusions for pre-existing conditions, which can affect claim approval.

Sometimes, the insurer may wrongfully deny disability claims — either to protect its profits or due to a mistake — resulting in an unjust Hartford long-term disability denial.

Call (888) 726-9160 now to see if a top Hartford disability denial lawyer may be able to fight for the benefits you deserve.

How does Hartford long-term disability work?

The Hartford long-term disability works by paying policyholders a portion of their income if they become unable to work due to a qualifying illness or injury.

While each policy may differ, disability claimants typically receive benefits for as long as they’re disabled or reach retirement age.

If a policyholder receives a Hartford long-term disability denial, a disability lawyer may be able to file an appeal and seek the benefits owed.

Is Hartford good at paying claims?

The Hartford has faced criticism that it frequently denies or delays paying long-term disability claims, often requiring policyholders to hire a lawyer to get the benefits they’re entitled to.

The Hartford has also been accused of:

Aggressively fighting long-term disability appeals
Denying LTD claims at a high rate
Having an overly complex claims process

Policyholders facing a Hartford long-term disability denial should consider working with an attorney to improve their chances of securing the benefits they deserve.

Get a free case review now to see if a top disability lawyer may be able to fight hard for everything you deserve.